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How much is car insurance in Galveston?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Galveston is in line with pricing for the rest of Texas.
That being said, car insurance rates in Galveston are often favorable when viewed against the rest of the country. The average monthly payment in Galveston is about $13 cheaper than the rate for the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The amount that insurance companies end up charging you is determined by a number of factors. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Galveston and broken down the different factors to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Galveston Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may start to rise again in Galveston.
Galveston Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Galveston, however, male and female drivers both pay, on average, $67 for their monthly policy premium.
Galveston Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Galveston, a driving record with a single accident will usually get you a rate around $80 a month. In addition, drivers with a single ticket on their record can expect to pay around $78 a month on average.
Galveston Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$65|
According to the first table above, the cheapest vehicles to insure in Galveston are usually trucks and vans, at $60 per month.
Meanwhile, Galveston drivers who own a car or SUV can expect to pay about $69 to insure their vehicle.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Galveston, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Galveston Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$71|
Generally, those who are currently married will pay slightly less to insure their car. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Galveston is no exception, with the difference totaling to around $7 a month.
Galveston Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$104|
Your housing situation is another factor that affects your monthly rate. Drivers who own property in Galveston can expect to pay around $10 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Galveston, TX
Recent trends in car insurance for Galveston drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
Insurance rates in Galveston have been mixed recently. They increased in 2017, dropped in 2019, and rose again in 2021, before finishing at $89 in 2022.
How does Galveston compare to neighboring areas?
Why are car insurance rates in Galveston different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Regional crime rates
- Road Safety (how many accidents each locality has)
- Number of drivers in the community
- Local regulations
- Off-street parking access
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Galveston?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Galveston.
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Galveston Auto Insurance FAQs
What factors affect car insurance quotes in Galveston?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Galveston different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Galveston?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Galveston?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Galveston or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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